Buying a home in a city like Mumbai or Pune can feel out of reach for many, especially with skyrocketing property prices. To bridge this gap, the Maharashtra Housing and Area Development Authority (MHADA) offers affordable housing options through its annual lottery schemes. These schemes cater to different income groups, making homeownership more accessible.
To apply for this scheme, you need to submit the Earnest Money Deposit (EMD), along with your application fee and GST. Knowing the minimum EMD for your category can help you plan better before applying.
The Earnest Money Deposit is a refundable amount paid during the application process, showing your intent and eligibility to purchase a home if selected in the lottery. It is not a fee but a temporary deposit that varies depending on the applicant’s income group.
As per recent MHADA lottery patterns, the EMD amounts for 2025 are likely to remain similar:
A special concession is offered for applicants under the Pradhan Mantri Awas Yojana (PMAY) – EWS scheme, where the minimum EMD is reduced to just ₹10,000, making it the most affordable option among all categories.
In addition to the EMD, all applicants must pay a non-refundable fee of ₹590, which includes GST. This fee is mandatory across all income groups and is charged at the time of submitting the application.
MHADA ensures that the EMD is refunded to unsuccessful applicants within 7 working days of the lottery result announcement. However, the ₹590 application fee (including GST) is non-refundable, regardless of the outcome.
Read more: MHADA Update: 2016 Panvel Lottery Allottees Must Claim Their Flats Before September 6, 2025!
If you're considering applying for a home under the MHADA Housing Scheme 2025, understanding the EMD requirements is essential. With the minimum deposit starting at just ₹10,000 for PMAY-EWS applicants, the scheme offers a realistic path to homeownership for many lower-income families.
Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.
Published on: Aug 19, 2025, 6:39 PM IST
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